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Dieser Erfahrungsbericht zur 1822direkt wurde uns am 30.12.2015 vom Nutzer SparFuchs übermittelt. Er spiegelt seine/ihre Meinung und Erfahrung wider und nicht zwangsläufig die der Redaktion.
Die Konto-/Depoteröffnung bei 1822direkt habe ich im Juni 2015 vorgenommen. Ich empfand sie als einfach und sie erfolgte wie bei den meisten Banken auch online. Die abgefragten Informationen entsprachen dem üblichen Standard und waren schnell eingegeben. Danach musste ich zur Post, um per Postident den Kontoeröffnungsantrag abzuschließen. Innerhalb einer Woche hatte ich die Unterlagen für mein neu eingerichtetes Depot und dem dazu gehörenden Verrechnungskonto erhalten und konnte loslegen.
Der Online-Bereich ist für meine Begriffe einfach zu bedienen. Die Funktionen sind übersichtlich und schnell auffindbar. Für Aktien-Einsteiger werden einzelne Funktionen bei der Order-Aufgabe in Kürze erklärt. An manchen Stellen finde ich sie allerdings etwas zu kurz. Dafür besteht die Möglichkeit, sich in einem Chat live mit einem Mitarbeiter zu unterhalten. Dieser ruft bei Wunsch sogar an. Dies fand ich sehr gut. Der Mitarbeiter erschien mir durchaus kompetent. Bei dem Telefonat hatte er mir dann alle Fragen ausführlich beantwortet. Was ich noch hilfreich finden würde wäre, wenn man beim Kauf die Gebühren des ausgewählten Marktplatzes angezeigt bekommen könnte. Da auch die Kurse nicht immer "live" angezeigt werden, gibt es manchmal zu viele Variablen, die man nicht einkalkulieren kann.
Die 1822direkt ist meiner Meinung nach sehr gut für Anleger geeignet, die nicht viel Bewegung in ihrem Depot planen. Für aktive Anleger fehlt finde ich ein Tool, mit dem man z. B. auch mobil in Echtzeit die Entwicklungen sehen und entsprechend reagieren kann. Es wäre schön, wenn dies verbessert werden könnte.